Zolve Credit Card | Banking

Zolve Credit Card | Banking

High APY, No SSN Credit Card

3.7K ratings
277 reviews
Free

Details

  • Released
  • Updated
  • December 2, 2021
  • August 5, 2026

Features

Zolve Credit Card | Banking screenshot #1 for iPhone
Zolve Credit Card | Banking screenshot #2 for iPhone
Zolve Credit Card | Banking screenshot #3 for iPhone
Zolve Credit Card | Banking screenshot #4 for iPhone
Zolve Credit Card | Banking screenshot #5 for iPhone
Zolve Credit Card | Banking screenshot #6 for iPhone
Zolve Credit Card | Banking screenshot #7 for iPhone
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About

This app helps international students and workers in the US and Canada manage their finances. It offers credit cards, high-yield checking accounts, and assistance with SIM cards, flights, and insurance.

US & Canada Credit Card applications
High-yield checking accounts
No SSN/SIN or credit history needed
Build credit history from Day 1
Free US SIM card delivery
International flight booking discounts
F1 Visa assistance
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What users say

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+2

What's New in Zolve Credit Card | Banking

4.0.33

August 5, 2026

We’ve fixed bugs and made performance improvements for a smoother, more reliable experience.

User reviews

Worst financial company I’ve ever experienced

Disgusting customer service, rude and incompetent staff who don’t listen to anything asked. I have been chasing them for months trying to pay my bill (the made this difficult the moment you leave USA, despite pitching themselves as ‘cross-border’) and they have said the only way I can now pay is through a payment link sent from them - but they refuse to send it! Conveniently adding on late/non-payment fees every month this drags on and they refuse to let me make a payment. They have essentially taken my account hostage so they can rack up fees; Zolve are crooks - completely unethical. Do not use.
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Please don’t use Zolve

Worst card and banking app I’ve ever used. Their security is disappointing, and their customer support is even worse.

I requested a refund of my excess funds, and ever since I submitted the request, they’ve stopped responding to my support tickets. I’ve received no meaningful updates and no resolution.

A financial company should communicate with customers, especially when it involves their money. My experience has been extremely frustrating, and I would not recommend Zolve based on how my refund request has been handled.
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Card Delivery

It has been 20 days since I’ve Applied for my new physical credit card, I haven’t received any email regarding my shipment or delivery, whenever I reach out customer service, they ask me to wait for 10 business days, they don’t even procide any contact number for assistance. they also can’t track my shipment either😂 It’s really disappointing. Zolve’s service is awful☹️
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5 Years In, and It’s Time to Move On to new credit card

I’ve been with Zolve for 5 years and referred 4+ people in the past, but recent changes have really tested my patience. They removed the 5x cashback or Automax cashback options, which were a big part of why I stuck around. On top of that, my balance takes forever to update after I make a payment, and redeeming points as cash can take weeks to actually show up. Even simple issues that every credit card app offers require reaching out to support, which shouldn’t be the case for basic things. As a long time customer, it’s disappointing to see the experience decline like this. I’m seriously considering using my other credit cards and reduced my spending drastically using zolve.
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Worst

The worst credit card I have ever used

User experience

🐞

Reported Bugs

3 issues

Login issues and incorrect password errors

Bug

App freezing and not loading data

Bug

Delayed or missing transaction updates

Bug

Requested Features

4 requests

Face ID/Biometric login

Feature

Improved credit limit increase process

Feature

Integrated credit score tracking

Feature

Faster fund transfer and payment options

Feature

FAQ

Does Zolve have ads?

Yes, Zolve contains advertisements within the application.

What is the Zolve credit card APR?

The provided data does not specify the exact APR for the Zolve credit card, but user reviews mention high APR and fees.

How does Zolve help build credit history?

The Zolve Credit Card is designed to help users build their credit history from day one with responsible use, according to the app's description.

What is the APY for the Zolve checking account?

The Zolve checking account offers up to 5.13% APY on deposits, with tiered rates based on card status and direct deposits.

Can I get a Zolve credit card without a US SSN or SIN?

Yes, Zolve allows applications for credit cards using only a Passport & Visa, with no SSN/SIN or prior credit history required.

How secure is my money with Zolve?

Banking services are provided by partner banks and are FDIC-insured up to $250,000. However, user reviews mention security and account access issues.

What is the update frequency for Zolve?

The app was last updated on June 23, 2026, indicating recent development activity. The current version is 4.0.29.

What devices does Zolve support?

Zolve is currently supported on iPhone devices.